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A DeAth in Your FAmilY - City of Prince George

A DeAth in Your FAmilY - City of Prince George

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What Do I Need to Know about<br />

Benefits for Survivors?<br />

The follow<strong>in</strong>g is a general overview for your<br />

<strong>in</strong>formation. Many <strong>of</strong> the tasks <strong>in</strong>volved will be<br />

completed by the executor or adm<strong>in</strong>istrator.<br />

“Resources” on page 16 has contact details<br />

for relevant <strong>in</strong>stitutions, if you require further<br />

<strong>in</strong>formation.<br />

• If you had a jo<strong>in</strong>t account with right <strong>of</strong><br />

survivorship, you can withdraw the whole<br />

amount from the account at any time. If<br />

you encounter difficulties, speak to the<br />

bank’s head <strong>of</strong>fice. Once you have the Death<br />

Certificate, you can have the account<br />

transferred to your name alone.<br />

• If the accounts were <strong>in</strong> your spouse’s name<br />

alone, notify the bank. Banks will usually<br />

release small amounts <strong>of</strong> money to the<br />

survivor before the estate is settled, but they<br />

are not required to do so. They will pay<br />

funeral expenses directly if presented with<br />

the bill; they will not, however, reimburse<br />

a person who has paid the funeral home<br />

directly until the estate is settled.<br />

• Money left to you <strong>in</strong> <strong>in</strong>surance policies,<br />

pension funds, and RRSPs passes outside<br />

the Will. If you are the beneficiary, contact<br />

the relevant <strong>in</strong>stitutions to learn what<br />

documents they need.<br />

• If your spouse was receiv<strong>in</strong>g a government<br />

or private pension, you may be entitled to<br />

a portion <strong>of</strong> the pension as the survivor.<br />

Check with each agency. Was your loved one<br />

a veteran, member <strong>of</strong> a union, or receiv<strong>in</strong>g<br />

a pension from another country? If so,<br />

there may be pension benefits for survivors.<br />

For pensions, the estate or the survivor is<br />

entitled to keep the cheques issued <strong>in</strong> the<br />

month <strong>of</strong> your loved one’s death.<br />

Note: This applies to you if you are a<br />

dependent child <strong>of</strong> a parent who has died.<br />

• The CPP Death Benefit is payable to the<br />

estate or survivor if the family member paid<br />

<strong>in</strong>to the Canada Pension Plan.<br />

• If your partner died and you are under 60,<br />

you may be entitled to a Survivor’s Pension<br />

through CPP. Benefits are also available to<br />

children under 18 years <strong>of</strong> age or between<br />

the ages <strong>of</strong> 18 and 25 and attend<strong>in</strong>g school<br />

full-time.<br />

• If the loved one was still employed, benefits<br />

may be available. Death benefits payable by<br />

labour unions vary. They may be payable<br />

to the next-<strong>of</strong>-k<strong>in</strong> or the estate. The union<br />

<strong>of</strong>fice will have the <strong>in</strong>formation.<br />

• If the death was due to a work-related<br />

accident, benefits may be available from<br />

Workers’ Compensation.<br />

• If death was due to a car accident, benefits<br />

are available from ICBC.<br />

• If the death was a result <strong>of</strong> a crime, assistance<br />

and benefits may be available to survivors<br />

from the Crime Victim Assistance Program.<br />

For contact <strong>in</strong>formation, see “Resources” on<br />

page 18.<br />

13

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